2023-24 Lake Travis ISD Benefit Guide by Higginbotham Public Sector

2023 - 2024 Plan Year

LAKE TRAVIS ISD

BENEFIT GUIDE EFFECTIVE: 11/01/2023 - 10/31/2024 WWW.MYBENEFITSHUB.COM/LAKETRAVISISD

Table of Contents How to Enroll

4-5

Annual Benefit Enrollment

6-10

1. Annual Enrollment

2. Section 125 Cafeteria Plan Guidelines

3. Eligibility Requirements

4. Helpful Definitions

5. Health Savings Account (HSA) vs. Flexible Spending Account (FSA)

Medical Health Savings Account (HSA)

FLIP TO...

11-38 39

Hospital Indemnity

40-41

Dental

42-43

Vision

44-45

Disability

46-47

Accident

48-49

Critical Illness

50-51

Life and AD&D

52-53

Flexible Spending Account (FSA)

54-55

PG. 4

HOW TO ENROLL

PG. 6

SUMMARY PAGES

PG. 11

YOUR BENEFITS

Benefit Contact Information Lake Travis ISD BENEFITS

MEDICAL

HEALTH SAVINGS ACCOUNT (HSA)

Financial Benefit Services Blue Cross Blue Shield (800) 583-6908 (800) 521-2227 www.mybenefitshub.com/laketravisisd www.bcbstx.com

EECU (817) 882-0800 https://www.eecu.org/

HOSPITAL INDEMNITY

DENTAL

VISION

Aetna (855) 513-9865 http://www.aetna.com/

MetLife (800) 438-6388 www.metlife.com

DISABILITY

ACCIDENT

CRITICAL ILLNESS

The Hartford (866) 278-2655 www.TheHartford.com

MetLife (800) 438-6388 www.metlife.com

LIFE AND AD&D

FLEXIBLE SPENDING ACCOUNT (FSA)

MetLife (800) 438-6388 www.metlife.com

Higginbotham (866) 419-3519 https://flexservices.higginbotham.net/ flexclaims@higginbotham.net

All Your Benefits One App Employee benefits made easy through the FBS Benefits App! Text “FBS LAKETRAVIS” to (800) 583-6908 and get access to everything you need to complete your benefits enrollment:

Text “FBS LAKETRAVIS” to (800) 583-6908

• Benefit Resources • Online Enrollment • Interactive Tools • And more!

App Group #: FBSLAKETRAVIS

OR SCAN

How to Log In 1

www.mybenefitshub.com/laketravisisd

CLICK LOGIN

Complete prompts for 2 Factor Authentication to login into the system. Contact (866) 914-5202 if you need assistance with logging into the system.

Annual Benefit Enrollment

SUMMARY PAGES

Annual Enrollment During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs. •

Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.

•

Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.

•

Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.

New Hire Enrollment All new hire enrollment elections must be completed in the online system within the specified time communicated in your new employee materials. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

Q&A Who do I contact with Questions? For supplemental benefit questions, you can contact your benefits department or you can call Financial Benefit Services at (866) 914-5202 for assistance.

Where can I find forms? For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ laketravisisd. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section. How can I find a Network Provider? For benefit summaries and claim forms, go to the Lake Travis ISD benefit website: www.mybenefitshub.com/laketravisisd. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section. When will I receive ID cards? If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.

Annual Benefit Enrollment

SUMMARY PAGES

Section 125 Cafeteria Plan Guidelines A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your benefits department to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.

CHANGES IN STATUS (CIS):

QUALIFYING EVENTS

Marital Status

A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).

Change in Number of Tax Dependents

A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Change in Status of Employment Affecting Coverage Eligibility

Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual’s eligibility under an employer’s plan includes commencement or termination of employment.

Gain/Loss of Dependents’ Eligibility Status

An event that causes an employee’s dependent to satisfy or cease to satisfy coverage requirements under an employer’s plan may include change in age, student, marital, employment or tax dependent status.

Judgment/ Decree/Order

If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual’s plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.

Eligibility for Government Programs

Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

Annual Benefit Enrollment

SUMMARY PAGES

Employee Eligibility Requirements

Dependent Eligibility Requirements

Medical and Supplemental Benefits: Eligible employees must work 25 or more regularly scheduled hours each work week.

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2023-2024 benefits become effective on November 1, 2023, you must be actively-at-work on November 1, 2023 to be eligible for your new benefits. PLAN

MAXIMUM AGE

Medical

To age 26

Hospital Indemnity

To age 26

Vision

To age 26

Dental

To age 26

Accident

To age 26

Life

To age 26

Cancer

To age 25

Critical Illness

To age 26

AD&D

To age 25

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents. Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse eligibility. FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance. Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent eligibility. Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your benefits department to request a continuation of coverage. 8

SUMMARY PAGES

Helpful Definitions Actively-at-Work

In-Network

You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 11/1/2023 please notify your benefits administrator.

Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.

Annual Enrollment

Out-of-Pocket Maximum The most an eligible or insured person can pay in co insurance for covered expenses.

The period during which existing employees are given the opportunity to enroll in or change their current elections.

Plan Year

Annual Deductible

Pre-Existing Conditions

The amount you pay each plan year before the plan begins to pay covered expenses.

Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).

Calendar Year January 1st through December 31st

November 1st through October 31st

Co-insurance After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.

Guaranteed Coverage The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or pre existing condition exclusion provisions do apply, as applicable by carrier. 9

SUMMARY PAGES

HSA vs. FSA Health Savings Account (HSA) (IRC Sec. 223)

Flexible Spending Account (FSA) (IRC Sec. 125)

Description

Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax-free.

Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, taxfree. This also allows employees to pay for qualifying dependent care tax-free.

Employer Eligibility

A qualified high deductible health plan.

All employers

Contribution Source

Employee and/or employer

Account Owner

Individual

Employer

Underlying Insurance Requirement

High deductible health plan

None

Minimum Deductible

$1,500 single (2023) $3,000 family (2023)

N/A

Maximum Contribution

$3,850 single (2023) $7,750 family (2023) 55+ catch up +$1,000

$3,050 (2023)

Permissible Use Of Funds

Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.

Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).

Cash-Outs of Unused Amounts (if no medical expenses)

Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age Not permitted 65).

Year-to-year rollover of account balance?

Yes, will roll over to use for subsequent year’s health coverage.

No. Access to some funds may be extended if your employer’s plan contains a 2 1/2 –month grace period or $610 rollover provision.

Does the account earn interest?

Yes

Portable?

Yes, portable year-to-year and between jobs.

FLIP TO

FOR HSA INFORMATION

PG. 39

FLIP TO

FOR FSA INFORMATION

PG. 54

Medical Insurance

EMPLOYEE BENEFITS

BCBS

ABOUT MEDICAL Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis.

For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

Monthly Premium

District Contribution

Employee Cost

High Deductible Plan Employee Only

$550.00

$500.00

$50.00

Employee & Spouse

$1,207.00

$500.00

$707.00

Employee & Child(ren)

$1,057.00

$500.00

$557.00

Employee & Family

$1,432.00

$500.00

$932.00

Low Plan Employee Only

$761.00

$500.00

$261.00

Employee & Spouse

$1,319.00

$500.00

$819.00

Employee & Child(ren)

$1,214.00

$500.00

$714.00

Employee & Family

$1,675.00

$500.00

$1,175.00

High Plan Employee Only

$906.00

$500.00

$406.00

Employee & Spouse

$1,593.00

$500.00

$1,093.00

Employee & Child(ren)

$1,468.00

$500.00

$968.00

Employee & Family

$2,031.00

$500.00

$1,531.00

Medical Coverage High Deductible Health Plan (HDHP)

High Deductible Health Plan (HDHP)

Premium Per Month

LTISD Contribution Per Month

Employee Total

Employee

$550.00

$500.00

$50.00

Employee + Spouse

$1,207.00

$500.00

$707.00

Employee + Children

$1,057.00

$500.00

$557.00

Employee + Family

$1,432.00

$500.00

$932.00

In-Network

Out-of-Network

Annual Deductible

$3,500 / person $7,000 / family

$7,000 / person $14,000 / family

Out-of-Pocket Maximum

$6,900 / individual $13,800 / family

$13,800 / individual $27,600 / family

Office Visit Copayment

Deductible applies

RX 90 Day

80% of allowable after deductible

Mail Order Program

80% of allowable after deductible

The participating pharmacies are HEB, Walmart, Walgreens, Randalls, Albertsons (and affiliates). Drug Deductible and out-of-pocket is the same as the medical deductible and out-of-pocket. All benefits, including prescription drug benefits (retail and mail order) must apply to the plan’s overall deductible and out-of-pocket maximum. Information included in this section summarizes health and medical coverages provided by Blue Cross Blue Shield and is provided for general purposes only. HIPAA and Medicare information, as well as terms, coverages, exclusions, limitations, and other specifics defined in individual plan policies and contracts, can be obtained by contacting Blue Cross Blue Shield at 800-521-2227 or bcbstx.com.

2023-24 Employee Benefit Plans and Options/Lake Travis ISD

Medical Coverage Low Plan

Low Plan

Premium Per Month

LTISD Contribution Per Month

Employee Total

Employee

$761.00

$500.00

$261.00

Employee + Spouse

$1,319.00

$500.00

$819.00

Employee + Children

$1,214.00

$500.00

$714.00

Employee + Family

$1,675.00

$500.00

$1,175.00

In-Network

Out-of-Network

Annual Deductible

$2,000 / Person $4,000 / Family

$250 / Admission deductible $2,500 / Person $5,000 / Family

Out-of-Pocket Maximum

$6,000 / Individual $12,000 / Family

$9,000 / Individual $15,000 / Family

Office Visit Copayment

$30 for PCP $50 Specialty Care

None

Generic (Retail, 30-day Supply)

$25 Copayment Amount

80% of Allowable Amount minus copay

Preferred, Brand Name (Retail, 30-day Supply)

$40 Copayment Amount

80% of Allowable Amount minus copay

Non-Preferred, Brand Name (Retail, 30-day Supply)

$55 Copayment Amount

80% of Allowable Amount minus copay

Speciality Drug

80% of Allowable Amount

2023-24 Employee Benefit Plans and Options/Lake Travis ISD 13

Medical Coverage High Plan

High Plan

Premium Per Month

LTISD Contribution Per Month

Employee Total

Employee

$906.00

$500.00

$406.00

Employee + Spouse

$1,593.00

$500.00

$1,093.00

Employee + Children

$1,468.00

$500.00

$968.00

Employee + Family

$2,031.00

$500.00

$1,531.00

In-Network

Out-of-Network

Annual Deductible

$1,250 / Person $2,500 / Family

$250 / Admission deductible $1,725 / Person $3,500 / Family

Out-of-Pocket Maximum

$3,750 / Individual $7,500 / Family

$5,250 Individual $10,500 / Family

Office Visit Copayment

$25 for PCP

None

Generic (Retail, 30-day Supply)

$15 Copayment Amount

80% of Allowable Amount minus copay

Preferred, Brand Name (Retail, 30-day Supply)

$25 Copayment Amount

80% of Allowable Amount minus copay

Non-Preferred, Brand Name (Retail, 30-day Supply)

$40 Copayment Amount

80% of Allowable Amount minus copay

Speciality Drug

90% of Allowable Amount

80% of Allowable Amount

2023-24 Employee Benefit Plans and Options/Lake Travis ISD 14

Coverage Period: 11/01/20233 – 10/31/20244 Coverage for: Individual + Family | Plan Type: HSA

You don’t have to meet deductibles for specific services.

Are there services covered Yes. Certain preventive care is covered before you before you meet your meet your deductible. deductible?

Are there other deductibles No. for specific services?

Page 1 of 6

Do you need a referral to see a specialist?

You can see the specialist you choose without a referral.

No.

Will you pay less if you use a network provider?

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, Yes. See www.bcbstx.com or call 1-800-810-2583 for and you might receive a bill from a provider for the difference between the a list of network providers. provider’s charge and what your plan pays (balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

What is not included in the Premiums, balance-billing charges, preauthorization out-of-pocket limit? penalties, and health care this plan doesn’t cover.

In-Network: $6,900 Individual / $13,800 Family Out-of-Network: $13,800 Individual / $27,600 Family

This plan covers some items and services even if you haven’t yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

In-Network: $3,500 Individual / $7,000 Family Out-of-Network: $7,000 Individual / $14,000 Family

What is the overall deductible?

What is the out-of-pocket limit for this plan?

Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.

The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.

Why This Matters:

Answers

Important Questions

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-800-521-2227 or at www.bcbstx.com. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at www.healthcare.gov/sbc-glossary or call 1-855-756-4448 to request a copy.

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Lake Travis ISD: HSA Plan

Common Medical Event

20% coinsurance 20% coinsurance 20% preferred retail 25% participating retail 20% mail order coinsurance 20% preferred retail 30% participating retail 20% mail order coinsurance 20% preferred retail 30% participating retail 20% mail order coinsurance 20% coinsurance

Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs)

Specialty drugs

Page 2 of 6

Retail covers a 30-day supply. With appropriate prescription, up to a 90-day supply is available. Mail order covers a 90-day supply.

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

Not Covered

Non-preferred brand drugs

Preferred brand drugs

Generic drugs

40% coinsurance

No Charge; deductible does not apply

Preventive care/screening/immunization

40% coinsurance 40% coinsurance

40% coinsurance

20% coinsurance

Virtual visits are available, please refer to your plan policy for more details. None You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for. No Charge for child immunizations Out-of-Network through the 6th birthday. None None

Limitations, Exceptions, & Other Important Information

Specialty drugs must be obtained from In-Network specialty pharmacy provider. Specialty retail limited to a 30-day supply. Mail order is not covered.

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.bcbstx.com

If you have a test

40% coinsurance

20% coinsurance

Primary care visit to treat an injury or illness Specialist visit

Services You May Need

What You Will Pay In-Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

If you visit a health care provider’s office or clinic

Common Medical Event

Facility Charges: 20% coinsurance ER Physician Charges: 20% coinsurance

Facility Charges: 20% coinsurance ER Physician Charges: 20% coinsurance 20% coinsurance 20% coinsurance 20% coinsurance 20% coinsurance

Emergency room care

Emergency medical transportation

Urgent care

Facility fee (e.g., hospital room)

Physician/surgeon fees

If you are pregnant

40% coinsurance

Childbirth/delivery professional services 20% coinsurance

Childbirth/delivery facility services

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

20% coinsurance

40% coinsurance

20% coinsurance 20% coinsurance

Office visits

40% coinsurance

20% coinsurance

40% coinsurance

20% coinsurance

40% coinsurance

20% coinsurance

Physician/surgeon fees

40% coinsurance

20% coinsurance

What You Will Pay In-Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Facility fee (e.g., ambulatory surgery center)

Services You May Need

If you need mental Outpatient services health, behavioral health, or substance abuse services Inpatient services

If you have a hospital stay

If you need immediate medical attention

If you have outpatient surgery

Page 3 of 6

Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

Cost sharing does not apply for preventive services. Depending on the type of services, a coinsurance, or deductible may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound).

Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

Certain services must be preauthorized; refer to your benefit booklet* for details. Virtual visits are available, please refer to your plan policy for more details.

None

Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

None

Ground and air transportation covered.

None

Limitations, Exceptions, & Other Important Information

Common Medical Event 20% coinsurance 20% coinsurance 20% coinsurance 20% coinsurance 20% coinsurance 20% coinsurance 20% coinsurance Not Covered Not Covered

Rehabilitation services

Habilitation services

Skilled nursing care

Durable medical equipment

Hospice services

Children’s eye exam Children’s glasses

Children’s dental check-up

None

None None

Preauthorization is required.

None

Limited to 25 days per calendar year. Preauthorization is required.

None

Limited to 60 visits per calendar year. Preauthorization is required.

Limitations, Exceptions, & Other Important Information

Acupuncture Bariatric surgery Cosmetic surgery Dental care (Adult)

• Infertility treatment • Long-term care • Non-emergency care when traveling outside the U.S.

• Hearing aids (limited to 1 per ear per 36-month period)

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

• Chiropractic care (limited to 35 visits per calendar year)

•

Routine eye care (Adult)

Page 4 of 6

• Private-duty nursing • Routine foot care (with the exception of person with diagnosis of diabetes) • Weight loss programs

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)

• • • •

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)

Not Covered

40% coinsurance Not Covered

40% coinsurance

What You Will Pay In-Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Home health care

Services You May Need

Excluded Services & Other Covered Services:

If your child needs dental or eye care

If you need help recovering or have other special health needs

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

Language Access Services: Spanish (Español): Para obtener asistencia en Español, llame al 1-800-521-2227. Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-521-2227. Chinese (中文): 如果需要中文的帮助，请拨打这个号码 1-800-521-2227. Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-521-2227.

Does this plan meet the Minimum Value Standards? Yes If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

Page 5 of 6

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: Blue Cross and Blue Shield of Texas at 1-800-521-2227 or visit www.bcbstx.com, or contact the U.S. Department of Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) or visit www.dol.gov/ebsa/healthreform. Additionally, a consumer assistance program can help you file your appeal. Contact the Texas Department of Insurance's Consumer Health Assistance Program at 1-800-252-3439 or visit www.texashealthoptions.com.

Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: the plan at 1-800-521-2227, U.S. Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform, or Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

$3,500 20% 20% 20%

$3,500 $0 $1,800

In this example, Peg would pay: Cost Sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Peg would pay is

$3,500 20% 20% 20%

In this example, Joe would pay: Cost Sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Joe would pay is

Total Example Cost

$20 $3,920

$3,500 $0 $400

$5,600

This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

◼ The plan’s overall deductible ◼ Specialist coinsurance ◼ Hospital (facility) coinsurance ◼ Other coinsurance

Managing Joe’s type 2 Diabetes

(a year of routine in-network care of a wellcontrolled condition)

$3,500 20% 20% 20%

In this example, Mia would pay: Cost Sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Mia would pay is

Total Example Cost

Page 6 of 6

$0 $2,800

$2,800 $0 $0

$2,800

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

◼ The plan’s overall deductible ◼ Specialist coinsurance ◼ Hospital (facility) coinsurance ◼ Other coinsurance

Mia’s Simple Fracture

(in-network emergency room visit and follow up care)

The plan would be responsible for the other costs of these EXAMPLE covered services.

$60 $5,360

$12,700

Total Example Cost

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

◼ The plan’s overall deductible ◼ Specialist coinsurance ◼ Hospital (facility) coinsurance ◼ Other coinsurance

(9 months of in-network pre-natal care and a hospital delivery)

Peg is Having a Baby

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

About these Coverage Examples:

. 21

You may file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, at: U.S. Dept. of Health & Human Services Phone: 800-368-1019 200 Independence Avenue SW TTY/TDD: 800-537-7697 Room 509F, HHH Building 1019 Complaint Portal: https://ocrportal.hhs.gov/ocr/portal/lobby.jsf Washington, DC 20201 Complaint Forms: http://www.hhs.gov/ocr/office/file/index.html

If you believe we have failed to provide a service, or think we have discriminated in another way, contact us to file a grievance. Office of Civil Rights Coordinator Phone: 855-664-7270 (voicemail) 300 E. Randolph St. TTY/TDD: 855-661-6965 35th Floor Fax: 855-661-6960 Chicago, IL 60601 Email: CivilRightsCoordinator@hcsc.net

To receive language or communication assistance free of charge, please call us at 855-710-6984.

Health care coverage is important for everyone. We provide free communication aids and services for anyone with a disability or who needs language assistance. We do not discriminate on the basis of race, color, national origin, sex, gender identity, age or disability.

Coverage Period: 11/01/20233 – 10/31/20244 Coverage for: Individual + Family | Plan Type: PPO

Answers

Page 1 of 6

Why This Matters: Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on What is the overall For In-Network: $2,000 Individual / $4,000 Family the plan, each family member must meet their own individual deductible deductible? For Out-of-Network: $2,500 Individual / $5,000 Family until the total amount of deductible expenses paid by all family members meets the overall family deductible. Yes. Services that charge a copay, prescription drugs, This plan covers some items and services even if you haven’t yet met the Are there services covered inpatient hospital expenses, emergency room services, deductible amount. But a copayment or coinsurance may apply. For before you meet your and In-Network preventive care, diagnostic test, home example, this plan covers certain preventive services without cost sharing deductible? health, skilled nursing, and hospice are covered before and before you meet your deductible. See a list of covered preventive you meet your deductible. services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles Yes. Per occurrence: $250 Out-of-Network inpatient You must pay all of the costs for these services up to the specific deductible for specific services? admission. There are no other specific deductibles. amount before this plan begins to pay for these services. The out-of-pocket limit is the most you could pay in a year for covered What is the out-of-pocket For In-Network: $6,000 Individual / $12,000 Family services. If you have other family members in this plan, they have to meet limit for this plan? For Out-of-Network: $9,000 Individual / $15,000 Family their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the Premiums, preauthorization penalties, balance-billing Even though you pay these expenses, they don’t count toward the out-of-pocket limit? charges, and health care this plan doesn’t cover. out-of-pocket limit. This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference Will you pay less if you use Yes. See www.bcbstx.com or call 1-800-810-2583 for a between the provider’s charge and what your plan pays (balance billing). Be a network provider? list of network providers. aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. Do you need a referral to No. You can see the specialist you choose without a referral. see a specialist?

Important Questions

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Lake Travis ISD: Base Plan

Common Medical Event

40% coinsurance

No Charge; deductible does not apply 20% coinsurance $25 preferred retail $30 participating retail $25 mail order copay/prescription; deductible does not apply $40 preferred retail $50 participating retail $40 mail order copay/prescription; deductible does not apply $55 preferred retail $65 participating retail $55 mail order copay/prescription; deductible does not apply 20% coinsurance; deductible does not apply

Diagnostic test (x-ray, blood work)

Specialty drugs

Non-preferred brand drugs

Preferred brand drugs

Generic drugs

Imaging (CT/PET scans, MRIs)

Not Covered

$65 copay/prescription plus 20% coinsurance; deductible does not apply

$50 copay/prescription plus 20% coinsurance; deductible does not apply

$30 copay/prescription plus 20% coinsurance; deductible does not apply

40% coinsurance

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.bcbstx.com

If you have a test

40% coinsurance

No Charge; deductible does not apply

Preventive care/screening/ immunization

Specialist visit

40% coinsurance

Primary care visit to treat an injury or illness

Out-of-Network Provider (You will pay the most)

In-Network Provider (You will pay the least) $30 copay/visit; deductible does not apply $50 copay/visit; deductible does not apply

Services You May Need

What You Will Pay

Page 2 of 6

Specialty drugs must be obtained from In-Network specialty pharmacy provider. Specialty retail limited to a 30-day supply. Mail order is not covered.

Retail and mail order cover a 30-day supply. With appropriate prescription, up to a 90-day supply is available. Out-of-Network mail order is not covered. Payment of the difference between the cost of a brand name drug and a generic may be required if a generic drug is available. For Out-of-Network pharmacy, member must file claim.

None

Office visit copay may apply.

You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for. No Charge for child immunizations Out-of-Network through the 6th birthday.

None

Virtual visits are available, please refer to your plan policy for more details.

Limitations, Exceptions, & Other Important Information

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

If you visit a health care provider’s office or clinic

Common Medical Event

If you need mental health, behavioral health, or substance abuse services

If you have a hospital stay

If you need immediate medical attention

If you have outpatient surgery

40% coinsurance

40% coinsurance; deductible does not apply 40% coinsurance 40% coinsurance

40% coinsurance; deductible does not apply

20% coinsurance; deductible does not apply 20% coinsurance $30 copay/office visit; deductible does not apply 20% coinsurance for other outpatient services 20% coinsurance; deductible does not apply

Facility fee (e.g., hospital room)

Physician/surgeon fees

Outpatient services

Inpatient services

Urgent care

20% coinsurance

Emergency room care

20% coinsurance $75 copay/visit; deductible does not apply

Facility Charges: $300 copay/visit plus 20% coinsurance; deductible does not apply ER Physician Charges: 20% coinsurance

Emergency medical transportation

40% coinsurance

20% coinsurance

Physician/surgeon fees

40% coinsurance

Out-of-Network Provider (You will pay the most)

20% coinsurance

In-Network Provider (You will pay the least)

Facility fee (e.g., ambulatory surgery center)

Services You May Need

What You Will Pay

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

Page 3 of 6

Plan deductible does not apply; a per-admission deductible of $250 applies Out-of-Network. Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

Certain services must be preauthorized; refer to your benefit booklet* for details.

None

Plan deductible does not apply; a per-admission deductible of $250 applies Out-of-Network. Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

None

Ground and air transportation covered.

Emergency room copay waived if admitted. If admitted, inpatient hospital expenses will apply.

None

Limitations, Exceptions, & Other Important Information

Common Medical Event

40% coinsurance; deductible does not apply

40% coinsurance

40% coinsurance 40% coinsurance 40% coinsurance 40% coinsurance 40% coinsurance

20% coinsurance; deductible does not apply No Charge; deductible does not apply 20% coinsurance 20% coinsurance No Charge; deductible does not apply 20% coinsurance No Charge; deductible does not apply $30 PCP / $50 SPC copay/visit; deductible does not apply Not Covered Not Covered

Childbirth/delivery facility services

Home health care

Rehabilitation services

Habilitation services

Skilled nursing care

Durable medical equipment

Hospice services

Children’s eye exam

Children’s glasses

Children’s dental check-up

Not Covered

40% coinsurance

20% coinsurance

Childbirth/delivery professional services

40% coinsurance

Out-of-Network Provider (You will pay the most)

Office visits

In-Network Provider (You will pay the least) $30 PCP / $50 SPC copay/visit; deductible does not apply

Services You May Need

What You Will Pay

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

If your child needs dental or eye care

If you need help recovering or have other special health needs

If you are pregnant

None

Preauthorization is required.

None

Page 4 of 6

Limited to 25 days per calendar year. Preauthorization is required.

None

Limited to 60 visits per calendar year. Preauthorization is required.

Plan deductible does not apply; a per-admission deductible of $250 applies Out-of-Network. Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

Copay applies to first prenatal visit (per pregnancy). Cost sharing does not apply for preventive services. Depending on the type of services, a copayment, coinsurance, or deductible may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound).

Limitations, Exceptions, & Other Important Information

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

Page 5 of 6

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.) • Chiropractic care (limited to 35 visits per • Non-emergency care when traveling outside the U.S. • Routine eye care (Adult) calendar year) • Hearing aids (limited to 1 per ear per 36-month period)

Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.) • Acupuncture • Dental care (Adult) • Private-duty nursing • Bariatric surgery • Infertility treatment • Routine foot care • Cosmetic surgery • Long-term care • Weight loss programs

$2,000 $50 20% 20%

$2,000 $40 $1,900

In this example, Peg would pay: Cost sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Peg would pay is

$2,000 $50 20% 20%

In this example, Joe would pay: Cost sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Joe would pay is

Total Example Cost

$20 $1,820

$800 $1,000 $0

$5,600

◼ The plan’s overall deductible ◼ Specialist copayment ◼ Hospital (facility) coinsurance ◼ Other coinsurance

Managing Joe’s type 2 Diabetes

(a year of routine in-network care of a wellcontrolled condition)

$2,000 $50 20% 20%

In this example, Mia would pay: Cost sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Mia would pay is

Total Example Cost

Page 6 of 6

$0 $2,280

$1,700 $500 $80

$2,800

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

◼ The plan’s overall deductible ◼ Specialist copayment ◼ Hospital (facility) coinsurance ◼ Other coinsurance

Mia’s Simple Fracture

(in-network emergency room visit and follow up care)

The plan would be responsible for the other costs of these EXAMPLE covered services.

$60 $4,000

$12,700

Total Example Cost

◼ The plan’s overall deductible ◼ Specialist copayment ◼ Hospital (facility) coinsurance ◼ Other coinsurance

(9 months of in-network pre-natal care and a hospital delivery)

Peg is Having a Baby

About these Coverage Examples:

. 29

To receive language or communication assistance free of charge, please call us at 855-710-6984.

Coverage Period: 11/01/20233 – 10/31/20244 Coverage for: Individual + Family | Plan Type: PPO

Answers

Page 1 of 6

Why This Matters: Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on What is the overall For In-Network: $1,250 Individual / $2,500 Family the plan, each family member must meet their own individual deductible deductible? For Out-of-Network: $1,725 Individual / $3,500 Family until the total amount of deductible expenses paid by all family members meets the overall family deductible. Yes. Services that charge a copay, prescription drugs, This plan covers some items and services even if you haven’t yet met the Are there services covered inpatient hospital expenses, emergency room services, deductible amount. But a copayment or coinsurance may apply. For before you meet your and In-Network preventive care, diagnostic test, home example, this plan covers certain preventive services without cost sharing deductible? health, skilled nursing, and hospice are covered before and before you meet your deductible. See a list of covered preventive you meet your deductible. services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles Yes. Per occurrence: $250 Out-of-Network inpatient You must pay all of the costs for these services up to the specific deductible for specific services? admission. There are no other specific deductibles. amount before this plan begins to pay for these services. The out-of-pocket limit is the most you could pay in a year for covered What is the out-of-pocket For In-Network: $3,750 Individual / $7,500 Family services. If you have other family members in this plan, they have to meet limit for this plan? For Out-of-Network: $5,250 Individual / $10,500 Family their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the Premiums, preauthorization penalties, balance-billing Even though you pay these expenses, they don’t count toward the out-of-pocket limit? charges, and health care this plan doesn’t cover. out-of-pocket limit. This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference Will you pay less if you use Yes. See www.bcbstx.com or call 1-800-810-2583 for a between the provider’s charge and what your plan pays (balance billing). Be a network provider? list of network providers. aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. Do you need a referral to No. You can see the specialist you choose without a referral. see a specialist?

Important Questions

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Lake Travis ISD: Buy Up Plan

Common Medical Event

30% coinsurance

No Charge; deductible does not apply 10% coinsurance $15 preferred retail $20 participating retail $15 mail order copay/prescription; deductible does not apply $25 preferred retail $35 participating retail $25 mail order copay/prescription; deductible does not apply $40 preferred retail $50 participating retail $40 mail order copay/prescription; deductible does not apply 10% coinsurance; deductible does not apply

Diagnostic test (x-ray, blood work)

Specialty drugs

Non-preferred brand drugs

Preferred brand drugs

Generic drugs

Imaging (CT/PET scans, MRIs)

Not Covered

$50 copay/prescription plus 20% coinsurance; deductible does not apply

$35 copay/prescription plus 20% coinsurance; deductible does not apply

$20 copay/prescription plus 20% coinsurance; deductible does not apply

30% coinsurance

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.bcbstx.com

If you have a test

30% coinsurance

No Charge; deductible does not apply

Preventive care/screening/ immunization

Specialist visit

30% coinsurance

Primary care visit to treat an injury or illness

Out-of-Network Provider (You will pay the most)

In-Network Provider (You will pay the least) $25 copay/visit; deductible does not apply $25 copay/visit; deductible does not apply

Services You May Need

What You Will Pay

Page 2 of 6

Specialty drugs must be obtained from In-Network specialty pharmacy provider. Specialty retail limited to a 30-day supply. Mail order is not covered.

None

Office visit copay may apply.

None

Virtual visits are available, please refer to your plan policy for more details.

Limitations, Exceptions, & Other Important Information

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

If you visit a health care provider’s office or clinic

If you need mental health, behavioral health, or substance abuse services

If you have a hospital stay

30% coinsurance; deductible does not apply 30% coinsurance 30% coinsurance

30% coinsurance; deductible does not apply

10% coinsurance; deductible does not apply 10% coinsurance $25 copay/office visit; deductible does not apply 10% coinsurance for other outpatient services 10% coinsurance; deductible does not apply

Facility fee (e.g., hospital room)

Physician/surgeon fees

Outpatient services

Inpatient services

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

Urgent care

Emergency medical transportation 30% coinsurance

Emergency room care

30% coinsurance Facility Charges: $300 copay/visit plus 10% coinsurance; deductible does not apply ER Physician Charges: 10% coinsurance 10% coinsurance

10% coinsurance Facility Charges: $300 copay/visit plus 10% coinsurance; deductible does not apply ER Physician Charges: 10% coinsurance 10% coinsurance $50 copay/visit; deductible does not apply

Out-of-Network Provider (You will pay the most) 30% coinsurance

In-Network Provider (You will pay the least)

What You Will Pay

10% coinsurance

If you need immediate medical attention

Services You May Need

Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees

Common Medical Event

If you have outpatient surgery

Page 3 of 6

Certain services must be preauthorized; refer to your benefit booklet* for details. Virtual visits are available, please refer to your plan policy for more details. Plan deductible does not apply; a per-admission deductible of $250 applies Out-of-Network. Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

None

Plan deductible does not apply; a per-admission deductible of $250 applies Out-of-Network. Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

None

Ground and air transportation covered.

Emergency room copay waived if admitted. If admitted, inpatient hospital expenses will apply.

None

Limitations, Exceptions, & Other Important Information

Common Medical Event

30% coinsurance; deductible does not apply

30% coinsurance 30% coinsurance 30% coinsurance 30% coinsurance 30% coinsurance 30% coinsurance

10% coinsurance; deductible does not apply No Charge; deductible does not apply 10% coinsurance 10% coinsurance No Charge; deductible does not apply 10% coinsurance No Charge; deductible does not apply $25 copay/visit; deductible does not apply Not Covered Not Covered

Childbirth/delivery facility services

Home health care

Rehabilitation services

Habilitation services

Skilled nursing care

Durable medical equipment

Hospice services

Children’s eye exam

Children’s glasses

Children’s dental check-up

Not Covered

30% coinsurance

10% coinsurance

Childbirth/delivery professional services

30% coinsurance

Out-of-Network Provider (You will pay the most)

$25 copay/visit; deductible does not apply

In-Network Provider (You will pay the least)

Office visits

Services You May Need

What You Will Pay

* For more information about limitations and exceptions, see the plan or policy document at www.bcbstx.com.

If your child needs dental or eye care

If you need help recovering or have other special health needs

If you are pregnant

None

Preauthorization is required.

None

Page 4 of 6

Limited to 25 days per calendar year. Preauthorization is required.

None

Limited to 60 visits per calendar year. Preauthorization is required.

Plan deductible does not apply; a per-admission deductible of $250 applies Out-of-Network. Preauthorization is required; $250 penalty if not preauthorized Out-of-Network.

Limitations, Exceptions, & Other Important Information

• Dental care (Adult) • Infertility treatment • Long-term care

• Private-duty nursing • Routine foot care • Weight loss programs

• Non-emergency care when traveling outside the U.S.

• Routine eye care (Adult)

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

Does this plan provide Minimum Essential Coverage? Yes Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit. Does this plan meet the Minimum Value Standards? Yes If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

• Chiropractic care (limited to 35 visits per calendar year) • Hearing aids (limited to 1 per ear per 36-month period)

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)

• Acupuncture • Bariatric surgery • Cosmetic surgery

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)

Excluded Services & Other Covered Services:

$1,250 $25 10% 10%

$1,250 $40 $1,000

In this example, Peg would pay: Cost sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Peg would pay is

$1,250 $25 10% 10%

In this example, Joe would pay: Cost sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Joe would pay is

Total Example Cost

$20 $1,520

$800 $700 $0

$5,600

◼ The plan’s overall deductible ◼ Specialist copayment ◼ Hospital (facility) coinsurance ◼ Other coinsurance

Managing Joe’s type 2 Diabetes

(a year of routine in-network care of a wellcontrolled condition)

$1,250 $25 10% 10%

In this example, Mia would pay: Cost sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Mia would pay is

Total Example Cost

Page 6 of 6

$0 $1,730

$1,250 $400 $80

$2,800

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

◼ The plan’s overall deductible ◼ Specialist copayment ◼ Hospital (facility) coinsurance ◼ Other coinsurance

Mia’s Simple Fracture

(in-network emergency room visit and follow up care)

The plan would be responsible for the other costs of these EXAMPLE covered services.

$60 $2,350

$12,700

Total Example Cost

◼ The plan’s overall deductible ◼ Specialist copayment ◼ Hospital (facility) coinsurance ◼ Other coinsurance

(9 months of in-network pre-natal care and a hospital delivery)

Peg is Having a Baby

About these Coverage Examples:

. 37

To receive language or communication assistance free of charge, please call us at 855-710-6984.

Health Savings Account (HSA) EECU

EMPLOYEE BENEFITS

ABOUT HSA A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used. Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP). For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs – it is also a taxexempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.

You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch-up contribution for the entire plan year.

A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.

Opening an HSA

HSA Eligibility

You are eligible to open and contribute to an HSA if you are: • Enrolled in an HSA-eligible HDHP (High Deductible Health Plan) • Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan • Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account • Not eligible to be claimed as a dependent on someone else’s tax return • Not enrolled in Medicare or TRICARE • Not receiving Veterans Administration benefits You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.

Maximum Contributions Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2023 is based on the coverage option you elect: • Individual – $3,850 • Family (filing jointly) – $7,750

If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.

Important HSA Information • Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount. • You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit. • You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions.

How to Use your HSA

• Online/Mobile: Sign-in for 24/7 account access to check your balance, pay bills and more. • Call/Text: (817) 882-0800. EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. – 1:00 p.m. CT and closed on Sunday. • Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333-9934 • Stop by a local EECU financial center for in-person assistance; find EECU locations & service hours at www.eecu.org/ locations. 39

Hospital Indemnity

EMPLOYEE BENEFITS

Aetna

ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

Inpatient Stays Covered Benefit Hospital stay - Admission Provides a lump sum benefit for the initial day of your stay in a hospital. No Maximum stays per plan year; separated by 30 days in a row Hospital stay - Daily Pays a daily benefit, beginning on day one of your stay in a non-ICU room of a hospital. Maximum 30 days per plan year Hospital stay - (ICU) Daily Pays a daily benefit, beginning on day one of your stay in an ICU room of a hospital. Maximum 30 days per plan year Newborn routine care Provides a lump-sum benefit after the birth of your newborn. This will not pay for an outpatient birth. Observation unit Provides a lump sum benefit for the initial day of your stay in an observation unit as the result of an illness or accidental injury. Maximum 1 day per plan year Substance abuse stay - Daily Pays a daily benefit for each day you have a stay in a hospital or substance abuse treatment facility for the treatment of substance abuse. Maximum 30 days per plan year Mental disorder stay - Daily Pays a daily benefit for each day you have a stay in a hospital or mental disorder treatment facility for the treatment of mental disorders. Maximum 30 days per plan year Rehabilitation unit stay - Daily Pays a benefit each day of your stay in a rehabilitation unit immediately after your hospital stay due to an illness or accidental injury. Maximum 30 days per plan year

Low

High

$750

$1,500

$50

$100

$200

$100

$50

$100

$50

$100

$25

$50

Important Note: All daily inpatient stay benefits begin on day one and count toward the plan year maximum.

Hospital Indemnity

EMPLOYEE BENEFITS

Aetna

Do I have to be actively at work to enroll in coverage? Yes, you must be actively at work in order to enroll and for coverage to take effect. You are actively at work if you are working, or are available to work, and meet the criteria set by your employer to be eligible to enroll. Can I enroll in the Aetna Hospital Indemnity plan even though I have a Health Savings Account (HSA)? Yes, you can still enroll in the Aetna Hospital Indemnity plan if you have a Health Savings Account. What is considered a hospital stay? A stay is a period during which you are admitted as an inpatient; and are confined in a: hospital, non-hospital residential facility, rehabilitation facility; and are charged for room, board and general nursing services. A stay does not include time in the hospital because of custodial or personal needs that do not require medical skills or training. A stay specifically excludes time in the hospital for observation or in the emergency room unless this leads to a stay. If I lose my employment, can I take the Hospital Indemnity Plan with me? Yes, you are able to continue coverage under the portability provision. You will need to pay premiums directly to Aetna. How do I file a claim? Go to myaetnasupplemental.com and either “Log In” or “Register”, depending on if you’ve set up your account. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later. You can also print/mail in form(s) to: Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512- 4079, or you can ask us to mail you a printed form. What should I do in case of an emergency? In case of emergency, call 911 or your local emergency hotline, or go directly to an emergency care facility. What if I don’t understand something I’ve read here, or have more questions? Please call us. We want you to understand these benefits before you decide to enroll. You may reach one of our Customer Service representatives Monday through Friday, 8 a.m. to 6 p.m., by calling 1-800-607-3366.

Hospital Indemnity LOW Employee Only $8.83 Employee and Spouse $18.64 Employee and Child(ren) $13.94 Employee and Family $22.35

HIGH $17.24 $36.61 $27.13 $43.63

Dental Insurance

EMPLOYEE BENEFITS

MetLife

ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and disease. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

Network: PDP Plus Coverage Type Type: Preventive (cleanings, exams, X-rays) Type B: Basic Restorative (fillings, extractions) Type C: Major Restorative (bridges, dentures) Type D: Orthodontia

Plan Option 1: Low Plan

Plan Option 2: High Plan

In-Network % of Negotiated Fee

Out-of-Network Scheduled Amount

In-Network % of Negotiated Fee

Out-of-Network 90% of R&C Fee

100%

80%

25%

50%

Not Covered

50%

Deductible Individual $50 $50 $50 $50 Family $150 $150 $150 $150 Annual Maximum Benefit Per Person $750 $750 $1,000 $1,000 Orthodontia Lifetime Maximum Per Person Not Covered Not Covered $1,000 $1,000 Child(ren)’s eligibility for dental coverage is from birth up to age 26. Late-enrollment waiting period: There is a one-year waiting period for all services following date of request. Plan Type Type A — Preventive Prophylaxis (cleanings) Oral Examinations

Plan Option 1: Low Plan How Many/How Often

Plan Option 2: High Plan How Many/How Often

Two per 12 months Two exams per 12 months Two fluoride treatment per 12 months for dependent children up to his/her 19th Topical Fluoride Applications birthday One 1st /2nd molar per lifetime for One per molar per lifetime for dependent Sealants dependent children up to his/her 16th children up to his/her 16th birthday birthday Space Maintainers One per lifetime for dependent children up to his/her 19th birthday

Dental Insurance

EMPLOYEE BENEFITS

MetLife

Type B — Basic Restorative Fillings X-rays Type C — Major Restorative Simple Extractions Crown, Denture and Bridge Repair Recementations Oral Surgery Implants Bridges and Dentures

Crowns, Inlays and Onlays Endodontics General Anesthesia Periodontics

Type D — Orthodontia

Amalgam; One replacement per surface per 24 months Full mouth X-rays; one per 60 months

Two per 12 months

Replacement once every 5 years Replacement once every 5 years • Initial placement to replace one or more natural teeth, which are lost while covered by the plan • Dentures and bridgework replacement; one in 60 months • Replacement of an existing temporary full denture if the temporary denture cannot be repaired and the permanent denture is installed within 12 months after the temporary denture was installed Replacement once every 5 calendar years Root canal treatment limited to once per tooth per lifetime When dentally necessary in connection with oral surgery, extractions or other covered dental services • Periodontal scaling and root planing once per quadrant, every 24 months • Periodontal surgery once per quadrant, every 24 months • Total number of periodontal maintenance treatments and prophylaxis cannot exceed two treatments in a calendar year • You, your spouse and your children, up to age 19, are covered while Dental insurance is in effect • All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia • Payments are on a repetitive basis Not Covered • 20% of the Orthodontia Lifetime Maximum will be considered at initial placement of the appliance and paid based on the plan benefit’s coinsurance level for Orthodontia as defined in the plan summary • Orthodontic benefits end at cancellation of coverage Dental Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

Low Plan $17.40 $34.81 $46.66 $73.84

High Plan $41.96 $80.59 $104.47 $143.06 43

Vision Insurance

EMPLOYEE BENEFITS

MetLife

ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

With your Davis Vision Preferred Provider Organization (PPO) Plan you can: • •

Go to any licensed Davis vision provider and receive coverage. Just remember your benefit dollars go further when you stay in network. Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco® Optical, Walmart®, Sam’s Club® and Visionworks®.

Vision Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

$6.44 $12.24 $12.88 $18.96

In-Network Covered Benefits Frequency There are no claims for you to file when you go to an in-network Davis vision provider. Simply pay any copays or member out of pocket amount (MOOP) and, if applicable, any amount over your frame/contact allowance at the time of service. Eye exam • Eye health exam, dilation, prescription, and refraction for glasses: Covered in full after a $10 Once every copay 12 months • Retinal imaging: Up to a $39 copay on routine retinal screening when performed by a private practitioner. Frame • Allowance: $130 OR • Exclusive Collection Frame Copay (in lieu of Allowance) for 3 tiers of the Collection: Premier: Once every Covered / Covered / Covered 12 months Participating private practice providers typically do not display the Collection but are contractually required to maintain a comparable selection (in both quantity and quality) of frames that would be covered, with no additional member out-ofpocket expense. Special lens designs, materials, powers and frames may require additional cost. Collection is available at most participating independent provider offices. Collection is subject to change.

Standard corrective lenses • Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $25 eyewear copay.1 Standard lens enhancements2 • Standard Polycarbonate (child up to age 18)3, Plastic tints/dyes, Solid and Gradient Tints: Covered in full • Progressive Standard, Progressive Premium/Custom, Standard Polycarbonate (adult), UV coating, Scratch-resistant coatings, Anti-reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket (MOOP) amount that MetLife has negotiated for you. These amounts may be viewed after enrollment at metlife.com/mybenefits.

1. 2. 3. 44

Once every 12 months

Materials co-pay applies to lenses and frames only, not contact lenses. The above list highlights some of the most popular lens enhancements and is not a complete listing. Polycarbonate lenses are covered for dependent children, monocular patients, and patients with prescriptions +/- 6.00 diopters or greater.

Vision Insurance

EMPLOYEE BENEFITS

MetLife

Contact lenses (instead of eyeglasses)4 • Contact fitting and evaluation: 15% Discount • Elective lenses: $130 allowance • Necessary lenses: Covered in full with prior authorization Once every • Discounts:4 12 months ◊ 15% off the amount over your contact lens allowance. ◊ Same-day purchase of additional contacts: 15% ◊ After-service purchase of additional contacts: 10% We’re here to help Find a Davis Vision provider at www.metlife.com/vision and select ‘Davis Vision by MetLife’. For general questions at any time, call 1-833-EYE-LIFE (1-833-393-5433). Once your coverage is effective, visit our member website at www.metlife.com/mybenefits.

In-network value added features:

Additional savings on lens enhancements:5 Save an average of 20-25% over retail on all lens enhancements not otherwise covered under the Davis Vision Insurance program.

Additional savings on glasses and sunglasses:5 A 20% discount off the provider’s usual and customary rate may be available. When buying additional complete pairs of eyeglasses or sunglasses on the same transaction as their primary benefit, members may receive 50% off the additional pair at Visionworks® and 30% off at other participating providers. Additional savings on frames:5 20% off any amount over your frames allowance. Additional savings on contacts:5 15% off any amount over your contact lens allowance. 15% same-day discount on additional contacts beyond your covered amount. 10% after-service discount on additional contacts beyond your covered amount. Laser vision correction:5 Savings of 20% - 50% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers. Free one-year breakage warranty: All Davis Collection eyeglasses come with a breakage warranty for repair or replacement of the frame and/or lenses for a period of one year from the date of delivery. The one-year breakage warranty applies only to Davis Collection frames and lenses installed in them. Warranty does not apply to nonCollection frames.

Out-of-network reimbursement

You pay for services and then submit a claim for reimbursement. The same benefit frequencies for innetwork benefits apply. Once you enroll, visit www.metlife. com/mybenefits for detailed out-of-network benefits information. • Eye exam: up to $45 • Frames: up to $55 • Single vision lenses: up to $30 • Lined bifocal lenses: up to $50 • Lined trifocal lenses: up to $65 • Lenticular lenses: up to $100 • Progressive lenses: up to $50 • Contact lenses: ◊ Elective lenses up to $80 ◊ Necessary lenses up to $210 4.

Not all providers participate in vision program discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if the discount and member out-of-pocket features are offered at that location. Discounts and member out-of-pocket are not insurance and subject to change without notice. Materials co-pay applies to lenses and frames only, not contact lenses. These features may not be available in all states and with all innetwork vision providers. Discounts are not available at Walmart and Sam’s Club. Please check with your in-network vision provider.

Hearing discounts:5 A National Hearing Network of hearing care professionals, featuring Your Hearing Network, offers Davis Vision members discounts on services, hearing aids and accessories. These discounts should be verified prior to service. 45

Disability Insurance

EMPLOYEE BENEFITS

The Hartford

ABOUT DISABILITY Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

What is Educator Disability Insurance?

Educator Disability insurance is a hybrid that combines features of short-term and long-term disability into one plan. Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose an amount of coverage and waiting period that suits your needs. We offer Educator Disability insurance for you to purchase through The Hartford. If you need to file a claim, contact TheHartford at 866-2782655. Full instructions can be found at www.mybenefitshub. com/laketravisisd Actively at Work: You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session. Benefit Amount: You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $8,000 that cannot exceed 66 2/3% of your current monthly earnings. Earnings are defined in The Hartford’s contract with your employer. Elimination Period: You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Disability benefit payment. The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin. For those employees electing an elimination period of 30 days or less, if you are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization. 46

Definition of Disability: Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre-disability earnings. One you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 66 2/3% or less of your pre-disability earnings. Pre-Existing Condition Limitation: Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 months before your disability begins. If your disability is a result of a pre-existing condition, we will pay benefits for a maximum of 1 month. Maximum Benefit Duration: Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the schedule selected and the age at which disability occurs, the maximum duration may vary. Please see the applicable schedules on the plan summary document that can be found at www.mybenefitshub.com/ laketravisisd for full details. Benefit Integration: Your benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as: • Social Security Disability Insurance • State Teacher Retirement Disability Plans • Workers’ Compensation • Other employer-based disability insurance coverage you may have • Unemployment benefits • Retirement benefits that your employer fully or partially pays for (such as a pension plan)

Disability

EMPLOYEE BENEFITS

The Hartford

Educator Disability - Definitions

The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness.

What is disability insurance? Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. This type of disability plan is called an educator disability plan and includes both long and short term coverage into one convenient plan. Pre-Existing Condition Limitations - Please note that all plans will include pre-existing condition limitations that could impact you if you are a first-time enrollee in your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about preexisting condition limitations.

How do I choose which plan to enroll in during my open enrollment? 1.

First choose your elimination period. The elimination period, sometimes referred to as the waiting period, is how long you are disabled and unable to work before your benefit will begin. This will be displayed as 2 numbers such as 0/7, 14/14, 30/30, 60/60, 90/90, etc.

When choosing your elimination period, ask yourself, “How long can I go without a paycheck?” Based on the answer to this question, choose your elimination period accordingly. Important Note- some plans will waive the elimination period if you choose 30/30 or less and you are confined as an inpatient to the hospital for a specific time period. Please review your plan details to see if this feature is available to you. 2.

Next choose your benefit amount. This is the maximum amount of money you would receive from the carrier on a monthly basis once your disability claim is approved by the carrier. When choosing your monthly benefit, ask yourself, “How much money do I need to be able to pay my monthly expenses?” Based on the answer to this question, choose your monthly benefit accordingly.

Choose your Benefit Amount from the drop down box.

Choose your desired elimination period. 47

Accident Insurance

EMPLOYEE BENEFITS

MetLife ABOUT ACCIDENT

Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

Benefit Type Accidental Injury Benefits Fracture Benefit

Low Plan Benefits

$100 – $8,000 depending on the fracture and type of repair Dislocation Benefit $100 – $8,000 depending on the dislocation and type of repair Second or Third Degree Burn Benefit $75 – $10,000 depending on the degree of the burn and the percentage of burnt skin Concussion Benefit $250 Coma Benefit $7,500 Laceration Benefit $50 – $400 depending on the length of the cut and type of repair Broken Tooth Benefit Crown: $200 Filling: $25 Extraction: $100 Eye Injury Benefit $300 Accident - Medical Services & Treatment Benefits Ambulance Benefit Ground: $300 Air: $1,000 Emergency Care Benefit $75 – $150 depending on location of care Non-Emergency Initial Care Benefit $75 Physician Follow-Up Visit Benefit $75 Therapy Services Benefit $35 (including physical therapy) Medical Testing Benefit $150 Medical Appliance Benefit $75 – $750 depending on the appliance Transportation Benefit $300 Pain Management Benefit $75 (for epidural anesthesia)

High Plan Benefits $200 – $10,000 depending on the fracture and type of repair $200 – $10,000 depending on the dislocation and type of repair $100 – $15,000 depending on the degree of the burn and the percentage of burnt skin $500 $12,500 $75 – $700 depending on the length of the cut and type of repair Crown: $300 Filling: $50 Extraction: $150 $400 Ground: $400 Air: $1,500 $100 – $200 depending on location of care $100 $100 $50 $200 $150 – $1,000 depending on the appliance $600 $100

Accident Insurance

EMPLOYEE BENEFITS

MetLife Prosthetic Device Benefit

Modification Benefit Blood/Plasma/Platelets Benefit Surgical Repair Benefit Exploratory Surgery Benefit Other Outpatient Surgery Benefit Hospital Benefits Admission Benefit ICU Supplemental Admission Benefit Confinement Benefit (paid for up to 365 days per accident) ICU Supplemental Confinement Benefit (paid for up to 15 days per accident) Inpatient Rehabilitation Benefit (paid for up to 15 days per accident) Accidental Death Benefit Accidental Death Benefit

One device: $750 More than one device: $1,500 $1,000 $400 $150 – $1,500 depending on the type of surgery $150 $300

One device: $1,000 More than one device: $2,000 $1,500 $500 $200 – $2,000 depending on the type of surgery $200 $400

$1,000 for the day of admission $1,000 for the day of admission $200 per day

$1,500 for the day of admission $2,000 for the day of admission $300 per day

$200 per day

$300 per day

$150 per day

$200 per day

$25,000 $75,000 for accidental death on common carrier Accidental Dismemberment, Functional Loss & Paralysis Benefits Dismemberment/Functional Loss $750 – $20,000 depending on the injury Paralysis $10,000 – $20,000 depending on the number of limbs Other Benefits Health Screening Benefit- benefit provided $50 Paid 1 time per calendar year for certain screening/prevention tests Lodging Benefit - for a companion of a $100 per day covered person who is hospitalized Waiver of Premium Benefit – if you Not Included become disabled, premiums will be waived if requirements for waiver are met Accident Low Plan Employee Only $6.12 Employee and Spouse $10.28 Employee and Child(ren) $11.48 Employee and Family $18.16

$50,000 $150,000 for accidental death on common carrier $1,000 – $40,000 depending on the injury $20,000 – $40,000 depending on the number of limbs $50 Paid 1 time per calendar year $200 per day Not Included

High Plan $10.83 $17.92 $20.90 $32.77 49

Critical Illness Insurance

EMPLOYEE BENEFITS

MetLife

ABOUT CRITICAL ILLNESS Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd Eligible Individual Coverage Options

Benefit Amount

Requirements

Employee

Coverage is guaranteed provided you are actively at work.

Spouse

$5,000, $10,000, $15,000, $20,000, $25,000, $30,000, $35,000, $40,000, $45,000 or $50,000 50% of the Employee’s Initial Benefit

Dependent Child(ren)

50% of the Employee’s Initial Benefit

Coverage is guaranteed provided the employee is actively at work and the spouse is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.

Benefit Payment

Your plan pays a lump-sum Initial Benefit upon the first verified diagnosis of a Covered Condition. Your plan also pays a lump- sum Recurrence Benefit for a subsequent verified diagnosis of certain Covered Conditions as shown in the table below. A Recurrence Benefit is only available if an Initial Benefit has been paid for the same Covered Condition. There is a Benefit Suspension Period that applies to Recurrence Benefits. In addition, there is a Benefit Suspension Period that applies to Initial Benefits for different conditions. Please refer to the table below for the percentage benefit payable for each Covered Condition. Covered Conditions Benign Tumor Category Benign Brain Tumor Cancer Category Invasive Cancer Non-Invasive Cancer Skin Cancer

Initial Benefit

Recurrence Benefit

100% of Benefit Amount

100% of Initial Benefit

100% of Benefit Amount 25% of Benefit Amount 5% of Benefit Amount, but not less than $250

100% of Initial Benefit 100% of Initial Benefit NONE

Coronary Artery Disease Category Coronary Artery Bypass Graft (CABG) - where surgery involving either a median 50% of Benefit Amount sternotomy or minimally invasive procedure is performed Childhood Disease Category Cerebral Palsy 100% of Benefit Amount Cleft Lip or Cleft Palate 100% of Benefit Amount Cystic Fibrosis 100% of Benefit Amount Diabetes (Type 1) 100% of Benefit Amount Down Syndrome 100% of Benefit Amount Sickle Cell Anemia 100% of Benefit Amount Spina Bifida 100% of Benefit Amount 50

100% of Initial Benefit

NONE NONE NONE NONE NONE NONE NONE

Critical Illness Insurance

EMPLOYEE BENEFITS

MetLife

Functional Loss Category Coma Loss of: Ability to Speak; Hearing; or Sight Paralysis of 2 or more limbs Heart Attack Category Heart Attack Sudden Cardiac Arrest Infectious Disease Category Bacterial Cerebrospinal Meningitis Diphtheria Encephalitis Legionnaire’s Disease Malaria Necrotizing Fasciitis Osteomyelitis Rabies Tetanus Tuberculosis Kidney Failure Category Kidney Failure Major Organ Transplant Category Major Organ Transplant- For bone marrow, heart, lung, pancreas, and liver Progressive Disease Category ALS Alzheimer’s Disease Multiple Sclerosis Muscular Dystrophy Parkinson’s Disease (Advanced) Systemic Lupus Erythematosus (SLE) Severe Burn Category Severe Burn Stroke Category Stroke

100% of Benefit Amount 100% of Benefit Amount 100% of Benefit Amount

100% of Initial Benefit NONE NONE

100% of Benefit Amount 50% of Benefit Amount

100% of Initial Benefit NONE

25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount 25% of Benefit Amount

NONE NONE NONE NONE NONE NONE NONE NONE NONE NONE

100% of Benefit Amount

NONE

100% of Benefit Amount

NONE

100% of Benefit Amount 100% of Benefit Amount 100% of Benefit Amount 100% of Benefit Amount 100% of Benefit Amount 100% of Benefit Amount

NONE NONE NONE NONE NONE NONE

100% of Benefit Amount

100% of Initial Benefit

100% of Benefit Amount

100% of Initial Benefit

Questions & Answers

Q. Who is eligible to enroll for this critical illness coverage? A. You are eligible to enroll yourself and your eligible family members!5 You need to enroll during your Enrollment Period and to be actively at work for your coverage to be effective. Q. How do I pay for my critical illness coverage? A. Premiums will be paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment. Q. What happens if my employment status changes? Can I take my coverage with me? A. Yes, you can take your coverage with you.6 You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier. Q. Who do I call for assistance? A. Please call MetLife directly at 1-855-JOIN-MET (1-855-564-6638), Monday through Friday from 8:00 a.m. to 8 p.m., EST and talk with a benefits consultant.

Life and AD&D

EMPLOYEE BENEFITS

MetLife

ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

Basic Term Life and Accidental Death and Dismemberment (AD&D) Insurance

Your employer provides you with Basic Term Life and AD&D insurance coverage in the amount of $10,000.

Supplemental Term Life Insurance Coverage Options • • •

For You: $10,000 increments to the lesser of 5 times your basic annual earnings or $250,000 For Your Spouse: $5,000 increments to $60,000 up to 50% of your supplemental term life coverage amount For Your Dependent Children* ◊ Birth to to 6 months old: $1,000 ◊ Child more than 6 months old: $1,000 increments to a maximum of $10,000

*Child(ren)’s Eligibility: Dependent children ages from birth to 26 years old if a child is a full-time student, are eligible for coverage.

What’s Not Covered? Please note that a reduction schedule may apply. Please see your plan employer or certificate for specific details. Accidental Death & Dismemberment (AD&D) coverage is a coverage separate and apart from your Basic and Supplemental Life insurance coverage and helps protect you 24 hours a day, 365 days a year.

Accidental Death & Dismemberment Coverage Options

This coverage provides benefits beyond your disability or life insurance for losses due to covered accidents — including while commuting, traveling by public or private transportation and during business trips. MetLife’s AD&D insurance pays you benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, brain damage or coma. If you suffer a covered fatal accident, benefits will be paid to your 52

beneficiary. Supplemental AD&D Coverage Amounts for You • Your Supplemental AD&D amount is equal to your Supplemental Term Life amount. Supplemental AD&D Coverage Amounts for Spouse and Child(ren) • You can choose to cover your dependent spouse and child(ren) with AD&D coverage. Your dependents will be eligible for coverage amounts equal to their amounts of Dependent Term Life coverage.

*Child(ren)’s Eligibility: Dependent children ages from birth to 26 years old are eligible for coverage.

Covered Losses: This AD&D insurance pays benefits for covered losses that are the result of an accidental injury or loss of life. The full amount of AD&D coverage you select is called the “Full Amount” and is equal to the benefit payable for the loss of life. Benefits for other losses are payable as a predetermined percentage of the Full Amount, and will be listed in your coverage in a table of Covered Losses. Such losses include loss of limbs, sight, speech and hearing, various forms of paralysis, brain damage and coma. The maximum amount payable for all Covered Losses sustained in any one accident is capped at 100% of the Full Amount. Standard Additional Benefits Include: Some of the standard additional benefits included in your coverage that may increase the amounts payable to you and/or defray About Your Coverage Effective Date: You must be Actively at Work on the date your coverage becomes effective. Your coverage must be in effect in order for your spouse’s and eligible children’s coverage to take effect. In addition, your spouse and eligible child(ren) must not be home or hospital confined or receiving or applying to receive disability benefits from any source when their coverage becomes effective.

Life and AD&D

EMPLOYEE BENEFITS

MetLife

If Actively at Work requirements are met, coverage will become effective on 11/1/2023 or the first of the month following the receipt of your completed application for all requests that do not require additional medical information. A request for your amount that requires additional medical information and is not approved by the date listed above will not be effective until the later of the date that notice is received that MetLife has approved the coverage or increase if you meet Actively at Work requirements on that date, or the date that Actively at Work requirements are met after MetLife has approved the coverage or increase. The coverage for your spouse and eligible child(ren) will take effect on the date they are no longer confined, receiving or applying for disability benefits from any source or hospitalized. Portability: So you can keep your coverage even if you leave your current employer - Should you leave Lake Travis Independent School District for any reason, and your Basic and Supplemental and Dependent Term Life and Personal and Supplemental and Dependent insurance under this plan terminates, you will have an opportunity to continue group term coverage (“portability”) under a different policy, subject to plan design and state availability. Rates will be based on the experience of the ported group and MetLife will bill you directly. Rates may be higher than your current rates. To take advantage of this feature, you must have coverage of at least $10,000 up to a maximum of $2,000,000.

Accelerated Benefits Option is not the same as long term care insurance (LTC). LTC provides nursing home care, home-health care, personal or adult day care for individuals above age 65 or with chronic or disabling conditions that require constant supervision. The Accelerated Benefits Option is also available to spouses insured under Dependent Life insurance plans. This option is not available for dependent child coverage. Conversion: For protection after your coverage terminates - You can generally convert your group term life insurance benefits to an individual whole life insurance policy if your coverage terminates in whole or in part due to your retirement, termination of employment, or change in employee class. Conversion is available on all group life insurance coverages. Please note that conversion is not available on AD&D coverage. If you experience an event thatmakes you eligible to convert your coverage, please call 1-877-275-6387 to begin the conversion process. Please contact your plan employer for more information. Supplemental Life Monthly Premiums (per $1,000 of covered volume) Age

Employee

Age

Dependent

Less than 20

$0.020

Less than 30

$0.040

20-24

$0.030

30-34

$0.040

25-29

$0.030

35-39

$0.060

30-34

$0.030

40-44

$0.080

Portability is also available on coverage you’ve selected for your spouse/domestic partner and dependent child(ren). The maximum amount of coverage for spouse/domestic partners is $250,000; the maximum amount of dependent child coverage is $25,000. Increases, decreases and maximums are subject to state availability.

35-39

$0.050

45-49

$0.130

40-44

$0.070

50-54

$0.220

45-49

$0.110

55-59

$0.410

50-54

$0.170

60-64

$0.850

55-59

$0.260

65-69

$1.830

Accelerate Benefits Option: For access to funds during a difficult time - Supplemental and Supplemental Dependent Life: If you become terminally ill and are diagnosed with 24 months or less to live, you have the option to receive up to 80% of your life insurance proceeds. This can go a long way towards helping your family meet medical and other expenses at a difficult time. Amounts not accelerated will continue under your employer’s plan for as long as you remain eligible per the certificate requirements and the group policy remains in effect.

60-64

$0.360

70-74

$3.460

65-69

$0.670

75 and older

$4.420

70-74

$1.090

75 and older

$1.850

Child

$0.180

The accelerated life insurance benefits offered under your certificate are intended to qualify for favorable tax treatment under Section 101(g) of the Internal Revenue Code (26 U.S.C.Sec 101(g)).

Supplemental AD&D Monthly Premiums (per $1,000 of covered volume) Employee

$0.020

Dependent Spouse

$0.020

Dependent Child

$0.020

Flexible Spending Account (FSA) Higginbotham

EMPLOYEE BENEFITS

ABOUT FSA A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre-loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $610 rollover or grace period provision). For full plan details, please visit your benefit website: www.mybenefitshub.com/laketravisisd

Health Care FSA The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $3,050 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include: • Dental and vision expenses • Medical deductibles and coinsurance • Prescription copays • Hearing aids and batteries You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA). Higginbotham Benefits Debit Card The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB). If you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts after receiving the request for substantiation before your debit card is suspended. Check the expiration date on your card to see when you should order a replacement card(s). Dependent Care FSA The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time. You can use the account to pay for day care or baby sitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled or a full-time student. Things to Consider Regarding the Dependent Care FSA • Overnight camps are not eligible for reimbursement (only day camps can be considered). • If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13. • You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care. • The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes. 54

Flexible Spending Account (FSA) Higginbotham

EMPLOYEE BENEFITS

Important FSA Rules • The maximum per plan year you can contribute to a Health Care FSA is $3,050. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately. • You cannot change your election during the year unless you experience a Qualifying Life Event. • You can continue to file claims incurred during the plan year for another 90 days after October 31st. • Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses. • The IRS has amended the “use it or lose it rule” to allow you to carry-over up to $610 in your Health Care FSA into the next plan year. The carry-over rule does not apply to your Dependent Care FSA. Higginbotham Portal The Higginbotham Portal provides information and resources to help you manage your FSAs. • Access plan documents, letters and notices, forms, account balances, contributions and other plan information • Update your personal information • Utilize Section 125 tax calculators • Look up qualified expenses • Submit claims • Request a new or replacement Benefits Debit Card Register on the Higginbotham Portal Visit https://flexservices.higginbotham.net and click Register. Follow the instructions and scroll down to enter your information. • Enter your Employee ID, which is your Social Security number with no dashes or spaces. • Follow the prompts to navigate the site. • If you have any questions or concerns, contact Higginbotham: * Phone – (866) 419-3519 * Email – flexclaims@higginbotham.net * Fax – (866) 419-3516 Flexible Spending Accounts Account Type

Eligible Expenses

Annual Contribution Limits

Benefit

Health Care FSA

Most medical, dental and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctorprescribed over-the-counter medications)

$3,050

Saves on eligible expenses not covered by insurance, reduces your taxable income

Dependent Care FSA

Dependent care expenses (such as day care, afterschool programs or elder care programs) so you and your spouse can work or attend school full-time

$5,000 single $2,500 if married and filing separate tax returns

Reduces your taxable income

2023 - 2024 Plan Year

Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the Lake Travis ISD Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice. Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the Lake Travis ISD Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.